Our
goal at Acute Family Medicine Clinic, Inc is to deliver the best
healthcare in our community to as many people as possible, regardless of
their financial or insurance situation, and yet remain viable as a clinic.
Our greatest concern is that the current
Medicare Crisis has resulted in
a Medicare reimbursement rate that is less than the cost for us to deliver
healthcare for Medicare patients.
Effective
January
1, 2006, Acute Family Medicine Clinic, Inc. will "Opt Out" of
the Medicare network and no longer be accepting Medicare
assignment.. See our
Medicare Private Contract here.
We
reserve the right to change our payment policy and insurance policy in the
future, if necessary. We reserve the right to stop accepting new patients.
We reserve the right to stop accepting particular insurance or payment
forms in the future. There may be special situations, requirements, terms
or qualifications regarding insurance companies, coverage or policies
other than those specified herein.
Insurance Policy
We
accept payment from most major insurance policies (contact our
receptionist or billing manager at 907 622-4325 for up-to-date
information).
Private
Insurance is a contract between you and your insurance company. Your bill
for your medical care at AFMCI is an independent agreement between you and
AFMCI. You are responsible for full payment of your account, regardless of
the status of your insurance claim. We will not become involved in
disputes between you and your insurance company regarding deductibles,
co-payments, covered charges, secondary insurance, "usual and customary"
charges, delays in payment, etc., other than to supply factual information
as necessary.
We
will file insurance claims for some insurance policies. You will need to
furnish the clinic with the necessary information. Please bring your
insurance card with you each time you visit the clinic.
Payment Policy
Payment is due at time of service for self-paying patients. Insurance
co-pay and payment for non-covered procedures (such as certain
preventative, procedural, or surgical visits as expressed in your
insurance company information) are also expected in full at the time of
service. For simplicity and for your convenience, we have elected to
collect co-pays immediately after the visit. Please be prepared to pay at
the time of service. If you are unable to pay, please notify our staff in
advance of the time of service. We reserve the right to demand full
payment at time of service if we are unable to verify insurance benefits
at the time of service
or no insurance
coverage exists.
Fees
We are
very concerned about health care costs. Our fees for services are based on
research and comparison with other area medical practices. We make every
effort to ensure that our rates are reasonable and competitive.
Method of Payment
We accept cash, personal checks, Visa and
MasterCard for payments.
Cash Discounts
Patients who do
not have insurance or who file their own insurance and pay in full at time
of service with CASH will receive a 10% discount. This discount does not
apply for credit card payments, personal check payments, school physicals,
injections, or immunizations.
Delinquent Balances
Personal balances older than 30 days will incur a finance charge of 1.5%
per month.
Unpaid
Accounts
Our
staff will work with you in setting up payment arrangements. However,
for patients who do not fulfill their obligations, their accounts
will be referred to a collection agency. Once an unpaid balance
is placed with a collection agency, the account must be settled
through the collection agency office. In addition, all costs,
fees, and other related expenses of the collection efforts by
the collection agency would be borne by the patient/guarantor.
Returned
Check Service Fee Policy:
A service charge, to the maximum extent allowed by law, will be
assessed when checks fail to clear the bank on which drawn.
Preventative and Physical Exams
We
recommend
Periodic Health and Preventative Examinations
and Immunizations. Some insurance companies routinely do
not cover preventative codes. It is your responsibility to determine if
your insurance carrier covers such visits, and to make alternative pay
arrangements if not covered.
Personal Injury Cases
Acute
Family Medicine Clinic, Inc does not bill for liability or lawsuit or auto
accidents for various reasons. We do not accept liens. You are
responsible for cash or credit card payment at the time of service.
Worker’s Compensation
Work-related injuries require reporting to your employer and pre-authorization
from your worker’s compensation insurance carrier prior to your
visit.
